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An Essential Review of Internet Banking Services in Developing Countries

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  • Hama Khan Yadgar M.

    (PhD candidate at Doctoral School of Management and Organizational Science, Kaposvár University, Hungary, Economics Department, College of Administration and Economics, University of Sulaimani, Kurdistan Region, Iraq, e-mail: yadgarhamakhan@gmail.com, yadgar.hamakhan@ke.hu)

Abstract

In the absence of a literature review for an adoption of internet banking in developing countries, this study was conducted to review and summarize the most evaluated articles in the literature. The significance of this work came from three concepts which are to highlight the concepts of research in developing countries, to accentuate the dominant models which have been used effectively in analyzing the constructs in adopting internet banking, and thirdly, to shed some light on the gaps in the potential applications for the system in the future. The Technology Acceptance Model, Theory of Reasoned Action, Theory of Planned Behaviour, Unified Theory of Acceptance and Use of Technology and Self Designed models have been used by most of the researchers in this review with a higher frequency of the Technology Acceptance Model among them. The results from this review are limited to 28 articles which were selected from a total of 110. The sources were from the search engines of Science Direct, Emerald Insight, Growing Science, International Business Information Management Association and Canadian Central of Science and Education and other different types of journal publications. The factors revealed to have important effects on the acceptance and adoption of the system were trust, perceived ease of use, and perceived usefulness, security and privacy and social influences.

Suggested Citation

  • Hama Khan Yadgar M., 2019. "An Essential Review of Internet Banking Services in Developing Countries," Financial Internet Quarterly (formerly e-Finanse), Sciendo, vol. 15(2), pages 73-86, June.
    • Handle: RePEc:vrs:finiqu:v:15:y:2019:i:2:p:73-86:n:6
    DOI: 10.2478/fiqf-2019-0013
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    References listed on IDEAS

    as
    1. Dr Ahmad Nahar Al-Rfou, 2013. "The Usage of Internet Banking Evidence from Jordan," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 3(5), pages 614-623, May.
    2. Ahmad Nahar Al-Rfou, 2013. "The Usage of Internet Banking Evidence from Jordan," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 3(5), pages 614-623.
    3. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    4. Shirley Taylor & Peter A. Todd, 1995. "Understanding Information Technology Usage: A Test of Competing Models," Information Systems Research, INFORMS, vol. 6(2), pages 144-176, June.
    5. Laukkanen, Tommi, 2016. "Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking," Journal of Business Research, Elsevier, vol. 69(7), pages 2432-2439.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    TAM; UTAUT; Internet Banking customers; Acceptance; Adoption; Trust;
    All these keywords.

    JEL classification:

    • M3 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising

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